Recognize the pattern
How it starts
Payment-processing jobs, account-rental offers, or transfer groups.
The promise
No investment: receive money and forward it.
What happens next
Your account or wallet obscures fund movements while a small commission exposes you to serious risk.
Signs to watch for
- Uses your account for unknown senders
- Conceals the purpose of payments
- Demands immediate onward transfer
Start with what you can do now
If this happened to you
Stop moving or withdrawing the money.
Explain what happened to your bank and preserve the messages.
Report the offer to IC3.gov and seek independent help if you are unsure what to do.
What to save
Keep the original records. Use copies to organize the details.
- Recruitment messages
- Incoming payments
- Destination accounts
- Commission agreement
Before you send money
- Never rent accounts, cards, or credentials
- Reject unexplained payment forwarding
- Verify the business and payers
These guides explain common patterns. The facts of your situation and your payment provider’s rules determine which steps are available.